American Express Westpac Altitude Black Bundle

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Collect up to 120,000 bonus Altitude Points when you meet the spend requirements and enjoy the perks of both a Mastercard and an Amex.

The American Express Westpac Altitude Black Card bundle offers you more spending power and rewards by giving you a credit card from American Express and a Mastercard from Westpac.

120,000

Bonus points

20.49% p.a.

Purchase rate

American Express: 20.24% p.a.
Mastercard: 20.49% p.a.

Up to 3

Reward points per $

American Express: 3
Mastercard: 1.25

$449 p.a.

Annual fee


Details

Product NameAmerican Express Westpac Altitude Black Bundle
Rewards ProgramWestpac Altitude Rewards
Purchase RateAmerican Express: 20.24% p.a.
Mastercard: 20.49% p.a.
Annual Fee$449
Interest Free Period45 days
Cash Advance Rate21.49% p.a.
Minimum Credit Limit$18,000
Card TypeMastercard
American Express
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Foreign Currency Conversion Fee (American Express)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$75,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo

Pros

  • Receive up to 120,000 bonus Altitude Points (80,000 on the Mastercard and 40,000 on the Amex) when you spend $7,000 ($4,000 on the Mastercard and $3,000 on the Amex) within the first 90 days of approval.
  • Earn up to 3 rewards points per $1 spent on eligible purchases in Australia, uncapped.
  • Complimentary retail and travel insurance covers
  • Two complimentary visits per year to the international Amex airport lounge in Sydney or Melbourne and two complimentary Priority Pass lounge passes

Cons

  • These cards have an interest-free period of only up to 45 days on purchases as compared to other cards that offer up to 55 days interest-free.
  • The combined annual fee of $449 p.a. is high, even compared to other black card offerings.
Rewards ProgramWestpac Altitude Rewards
Bonus Points120,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)1.25
Rewards Points per $ spent (American Express)3
Annual Fee$449
Foreign Currency Conversion Fee (American Express)3% of transaction value
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee2% or $2.50, whichever is greater
Additional Cardholder Fee$0

Expert review

Amy Bradney-George

Review by


Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

The American Express Westpac Altitude Black is a premium rewards card bundle that comes with both an Amex card and a Mastercard. Its bonus point offer gives you a way to get up to 120,000 Altitude Rewards points, although you would need to spend a total of $7,000 in the first 90 days ($4,000 on the Mastercard and $3,000 on the Amex) to collect them all.

How to apply

If you already have a Westpac Altitude Rewards credit card, you can see if you're eligible to apply by logging into your account and checking the "offers" tab.

If you're a new customer, you can apply for the American Express Westpac Altitude Black Card bundle online via a secure application form. Note that you can apply for the Westpac Altitude Black Mastercard separately but you must apply for both cards if you want the American Express option. Get started by checking that you meet the following eligibility criteria and have all the relevant documents and details on hand.

Eligibility criteria

  • New customer. The bonus points offer is only available to new cardholders.
  • Residency. You must be an Australian citizen or permanent resident currently living in Australia.

Card benefits

  • Bonus points offer. This card bundle offers you a total of up to 120,000 bonus Altitude Points when you apply by 15 October 2019 and meet each card's spend requirements. With the Mastercard, you'll collect a bonus 80,000 points when you spend $4,000 on eligible purchases in the first 90 days, while the Amex offers a bonus 40,000 points when you spend $3,000 in the first 90 days.
  • Altitude Points per $1 spent. The American Express Westpac Altitude Black earns 5 points per $1 spent on foreign currency purchases, 3 points per $1 spent on eligible purchases in Australia and 1 point per $1 spent with government bodies in Australia. The Westpac Altitude Black Mastercard earns 1.25 points per $1 spent on eligible purchases. There is no points cap for either card.

Rates & fees

  • Annual fee. The Westpac Altitude Black Mastercard charges a standard annual fee of $250, while the Amex card has an annual fee of $199. This means you'll pay a total of $449 p.a. for this two-card bundle.
  • Additional card fee. This card offers a $0 annual fee for additional cardholders.

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18 Comments

  1. Default Gravatar
    Brad
    January 22, 2019

    Does the Westpac Amex Altitude Card provide one complimentary national airfare per annum?

    • AvatarStaff
      Jeni
      January 24, 2019

      Hi Brad,

      Thank you for getting in touch with finder.

      Currently, this American Express Westpac Altitude Black Bundle does not provide travel credit. You may check out this page to know Amex cards that boost American Express Travel credits.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  2. Default Gravatar
    Thomas
    May 4, 2018

    What is the conversion rate Westpac Altitude Points to SIA Krisflyer points?

    • AvatarStaff
      Jeni
      May 4, 2018

      Hi Thomas,

      Thank you for getting in touch with finder.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

      Redeem 3,000 Altitude points for 1,200 KrisFlyer Miles. Please allow 3 business days for the processing of each transfer request.

      You may see this info in altitude rewards page.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  3. Default Gravatar
    Shannon
    May 3, 2018

    Hi, I’m a bit confused. This is not the offer I received from Westpac/AMEX. It’s so similar but different. I received an invitation with a personal code to apply for AMEX Westpac Black Altitude card on its own (AMEX issued) not as a bundle (I still have my Westpac Visa Altitude card).

    The complimentary insurance appears to be underwritten my Allianz (I may not understand this bit) and seems quite comprehensive – definitely includes rental car excess.

    Other details mentioned are the same – the $199 annual fee, the rate of rewards earning. Will you be reviewing this card soon? I plan to auto-redeem all Altitude rewards to Velocity.

    • AvatarStaff
      Jeni
      May 4, 2018

      Hi Shannon,

      Thank you for getting in touch with finder.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

      The personal offerings from AMEX/Westpac are different to the cards that everyone can apply for. You can just choose whichever you want to apply for. If you want to get further info on this matter, you may contact Westpac directly. They also have chat facility on their official website so you can also clarify it without being on queue.

      You may want to check out this link about your Velocity auto-redemption enquiry.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  4. Default Gravatar
    gowri
    April 30, 2018

    hi please call me I am just regarding this American express card
    to apply I want to know more information regarding this card.
    thanks
    gowri

    • AvatarStaff
      Nikki
      April 30, 2018

      Hi Gowri,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      Unfortunately, we aren’t able to make a call. There is a live chat option in our website should you wish to obtain more information on the American Express Westpac Altitude Black Bundle or you may contact us here.

      Hope to hear from you soon!

      Regards,
      Nikki

  5. Default Gravatar
    Judith
    April 9, 2018

    Where do I find the application format for the American Express Westpac Altitude Card?

    • AvatarStaff
      Jeni
      April 9, 2018

      Hi Judith,

      Thank you for getting in touch with finder.

      At the moment, the American Express Westpac Altitude Black Card is only available to existing Westpac Altitude customers.

      If you’re eligible, Westpac will send you an invitation to apply via Online Banking, email or in the post. You can then apply online using your personal offer code.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  6. Default Gravatar
    Peter
    April 8, 2018

    Does the new Amex Westpac Altitude black card travel insurance coverage include the excess on rental car hire with Avis?

    • AvatarStaff
      Jeni
      April 8, 2018

      Hi Peter,

      Thank you for getting in touch with finder.

      If you are pertaining to the complimentary travel insurance, excess on rental car hire is not included.

      The American Express complimentary credit card insurance is provided by Chubb Insurance Australia Limited.

      If you have any more questions about the cover you get with your card, feel free to contact them directly.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  7. Default Gravatar
    Alan
    March 22, 2018

    I received a message on my Phone that my current Westpac Amex Card will expire soon and that I should advise Westpac if I need to renew it to cover recurring Payments. I need confirmation if I have any recurring Payments.

    • AvatarStaff
      Jeni
      March 22, 2018

      Hi Alan,

      Thank you for getting in touch with finder. I suggest that you contact them to make sure if you have any recurring payments. Just a friendly reminder, we do not represent any company we feature on our pages, we can offer you general advice.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  8. Default Gravatar
    Norton
    March 14, 2018

    been with westpac 35 years … still waiting for invitation for new American express card ?

    • AvatarStaff
      Jeni
      March 14, 2018

      Hi Norton,

      Thanks for getting in touch with finder. I can understand that you have been with Westpac for 35 years and you are waiting for an invitation for a new American Express card. I suggest that you also update your information with them because Westpac will send you an invitation to apply via Online Banking, email or in the post. If you have changed your address or been using an old email address that you haven’t used for a while so I recommend that you call or visit the branch to update your info and get your invitation or personal offer code.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Jeni

  9. Default Gravatar
    Robert
    March 3, 2018

    I am an existing Westpac American Express Card holder. How do I apply for the new card please?

    • AvatarStaff
      Jhez
      March 6, 2018

      Hi Robert,

      Thank you for your comment.

      If you’re eligible to apply for the American Express Westpac Altitude Black Card, you will be sent an invitation to apply via online banking, or via email and then use the personal offer code to apply online. This is only available to existing Westpac Altitude customers.

      Regards,
      Jhezelyn

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